MSE News: Had RAC or Budget insurance? Check you're not paying for unwanted cover

Former_MSE_Helen

"RAC and Budget insurance policyholders may be paying almost £50 a year for unwanted personal accident cover"...

Read the full story:

Had RAC or Budget insurance? Check you're not paying for unwanted cover



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jorok

Pre-ticked boxed may have been banned by the EU in June, but there are also un-ticked boxed that you have to tick for an opt-out. Have these been banned too?

Pincher

Regardless of whether it's a tick or untick option, I thought the whole point of a comprehensive insurance policy is that you are covered for medical bills, and some pay-out like £20k for losing an eye.

rs65

Pincher wrote: »

Regardless of whether it's a tick or untick option, I thought the whole point of a comprehensive insurance policy is that you are covered for medical bills, and some pay-out like £20k for losing an eye.

Comp insurance covers the car comprehensively. Mine includes medical expenses following injury but not lump sums like that.

Pincher

This is from Churchill

Summary of benefits

With a comprehensive car insurance policy, you can enjoy all this cover as standard:

• 24 hour accident recovery
• Repairs guaranteed for 5 years when you use an approved repairer
• If you have 4 years or more No Claim Discount, then you can choose to protect it
• New for old cover on cars under 12 months old
• Personal accident cover for policyholder and spouse or partner
• Medical expenses following an accident
• Cover for personal belongings in the car

I am probably mixing Travel Insurance with Car Insurance.


So if I lose a leg, I have to use Legal Cover to pursue the other party for compensation. I always thought £10k for a limb was way too low anyway.

rs65

Pincher wrote: »

So if I lose a leg, I have to use Legal Cover to pursue the other party for compensation. I always thought £10k for a limb was way too low anyway.

If there is an other party. If not, you use the personal accident benefit on your own policy. I would never buy PA cover as an add-on. If I wanted it, I would buy 24 hour cover as a standalone product.

weejonnie

And of course there is the MIB untraced drivers insurance scheme to obtain compensation if it's non fault and the other driver does a runner.